Career Step Enrollment Agreement Combine Programs. Overview

Transcription

1 Career Step Enrollment Agreement Combine Programs Overview This Enrollment Agreement is an agreement between the undersigned applicant or student ( Student or you ) and Career Step, LLC ( Career Step ). PLEASE READ THIS AGREEMENT CAREFULLY BEFORE ACCEPTING THIS AGREEMENT. BY CLICKING I ACCEPT BELOW OR BY SIGNING THIS AGREEMENT, YOU INDICATE THAT YOU ACCEPT THIS ENTIRE AGREEMENT AND AGREE THAT IT WILL BE LEGALLY BINDING ON YOU. Terms and Conditions 1. Enrollment: You hereby request enrollment in one or more of the following Career Step independent study programs: Program Title Medical Transcription Editor Professional Medical Coding and Billing ICD-10/9 Professional Medical Coding and Billing ICD-9/10 Professional Medical Coding and Billing ICD-9 Career FastTrack: Medical Coding Medical Office Manager Medical Administrative Assistant with EHR Pharmacy Technician Healthcare IT Computer Technician Medical Administrative Assistant Medical Billing Executive Assistant with Microsoft Office 2007 Training Executive Assistant with Microsoft Office 2010 Training Program Title ICD-10 for ICD-9 Coders ICD-9 for ICD-10 Coders Career FastTrack: Medical Transcription Editing Medical Transcription Editor Refresher Registered Healthcare Documentation Specialist Exam Prep Microsoft Office 2007 Microsoft Access 2007 Microsoft Excel 2007 Microsoft Outlook 2007 Microsoft PowerPoint 2007 Microsoft Word 2007 Microsoft Office 2010 Microsoft Access 2010 Microsoft Excel 2010 Microsoft Outlook 2010 Length of Program Curriculum 640 hours 573 hours 640 hours 503 hours 553 hours 315 hours 285 hours 285 hours 584 hours 305 hours 200 hours 145 hours 140 hours 160 hours Length of Program Curriculum 137 hours 50 hours hours 4 months 90 hours 89 hours 17 hours 21 hours 17 hours 17 hours 21 hours 121 hours 29 hours 29 hours 21 hours 1

2 Microsoft PowerPoint 2010 Microsoft Word hours 25 hours You have completed, or will complete, an electronic Admission Application online at or provide the required information over the phone or by fax to a Career Step enrollment advisor. You may decide how fast you study, and you are free to proceed with the program at your own pace. Each program requires approximately one to four months of full-time study to complete, depending on program selected, and it is expected that students who embark on a program do so with an understanding of the length and rigors of the curriculum. Full Programs: The Medical Transcription Editor, Professional Medical Coding and Billing, Medical Transcription, Medical Administrative Assistant with EHR, Pharmacy Technician, Computer Technician, Medical Administrative Assistant, Healthcare IT, Medical Billing, and Executive Assistant programs may be hereinafter referred to as "Full Programs." Each Full Program requires approximately one to four months of full-time study to complete, depending on program selected. Upon successful completion of a Full Program and its corresponding final exam, provided that your account is current, you will receive a certificate of graduation from Career Step. Supplemental Programs: The ICD-10 for ICD-9 Coders, Career FastTrack: Medical Transcription Editing, Medical Transcription Editor Refresher Course, Microsoft Office 2007, Microsoft Access 2007, Microsoft Excel 2007, Microsoft Outlook 2007, Microsoft PowerPoint 2007, Microsoft Word 2007, Microsoft Office 2010, Microsoft Access 2010, Microsoft Excel 2010, Microsoft Outlook 2010, Microsoft PowerPoint 2010, Microsoft Word 2010, and RHDS Prep programs may be hereinafter referred to as "Supplemental Programs." Each Supplemental Program requires approximately a few days to a few months of full-time study to complete, depending on program selected 2. Enrollment Options: Career Step training programs are designed to help students qualify for employment in such areas as medical transcription, medical transcription editing, medical coding, medical billing, pharmacy technician, computer and technology support, medical administrative assisting, medical office management, health information technology, or executive assisting, depending upon the program. Upon successful completion of a Full Program and its corresponding final exam, provided that your account is current, you will receive a certificate of graduation from Career Step. Each Full Program below includes a series of textbooks correlated with the online curriculum. These books will be delivered in an ebook for the selected program. If any payment plan is selected, all shipping & handling and sales tax will be paid at time of enrollment. For residents of California, Colorado, Florida, Illinois, Missouri, Ohio, or Utah, applicable sales tax will be added to the total amount due. 2

3 Medical Transcription Editor Program: Single Payment Price: $2,995 USD $ down payment Three (3) additional payments: $ Medical Transcription Program: Single Payment Price: $2,595 USD $ down payment Three (3) additional payments: $ Professional Medical Coding and Billing ICD-10/9 Program: Single Payment Price: $3,395 USD $ down payment Three (3) additional payments: $ Shipping & Handling: $69.95 Professional Medical Coding and Billing ICD-9/10 Program: Single Payment Price: $3,395 USD $ down payment Three (3) additional payments: $ Shipping & Handling: $69.95 Professional Medical Coding and Billing ICD-9 Program: Single Payment Price: $2,995 USD $ down payment 3

4 Three (3) additional payments: $ Shipping & Handling: $69.95 Medical Office Manager Program: Single Payment Price: $3,695 USD o Three(3) Payments (0% interest): $ down payment Three (3) additional payments: $ o Twelve (12) Payment (8% interest): Down payment will be determined by credit score. Medical Administrative Assistant with EHR Program: Single Payment Price: $2,595 USD o Three(3) Payments (0% interest): $ down payment Three (3) additional payments: $ o Twelve (12) Payment (8% interest): Down payment will be determined by credit score. Pharmacy Technician Program: Single Payment Price: $1,995 USD $ down payment Three (3) additional payments: $ Healthcare IT Program: Single Payment Price: $3,695 USD $ down payment Three (3) additional payments: $

5 Computer Technician Program: Single Payment Price: $1,995 USD $ down payment Three (3) additional payments: $ Medical Administrative Assistant Program: Single Payment Price: $1,995 USD $ down payment Three (3) additional payments: $ Medical Billing Program: Single Payment Price: $1,995 USD $ down payment Three (3) additional payments: $ Shipping & Handling: $29.95 Executive Assistant with Microsoft Office 2007 / 2010 Programs: Single Payment Price: $1,995 USD $ down payment Three (3) additional payments: $ Career FastTrack: Medical Transcription Editing Program: Single Payment Price: $ ICD-10 for ICD-9 Coders Program: Single Payment Price: $695 5

6 Shipping & Handling: $49.95 ICD-9 for ICD-10 Coders Program: Single Payment Price: $695 Shipping & Handling: $49.95 Medical Transcription Editor Refresher Program: Single Payment Price (No Text Comp): $ Payment Plan Option (No Text Comp) o Four (4) payments of $54.75 Single Payment Price (With Text Comp): $ o Shipping: $19.95 Payment Plan Option (With Text Comp) o Four (4) payments of $92.25 o Shipping: $19.95 Microsoft Office 2007 / 2010 Programs: Single Payment Price: $ Shipping & Handling: $69.95 Microsoft Office 2007 / 2010 Programs: Single Payment Price: $ Microsoft Access 2007 / 2010 Programs: Single Payment Price: $ Shipping & Handling: $14.95 Microsoft Excel 2007 / 2010 Programs: Single Payment Price: $ Shipping & Handling: $14.95 Microsoft Outlook 2007 / 2010 Programs: Single Payment Price: $ Shipping & Handling: $14.95 Microsoft PowerPoint 2007 / 2010 Programs: Single Payment Price: $ Shipping & Handling: $14.95 Microsoft Word 2007 / 2010 Programs: Single Payment Price: $ Shipping & Handling: $

7 Registered Healthcare Documentation Specialist Exam Prep Program: Single Payment Price (No Text Comp): $175 In addition to our standard enrollment packages, you may order the following optional products or services. Please inform your enrollment advisor if you desire to purchase one or more of the following upgrades. All upgrades are to be paid at time of enrollment. Medical Transcription Editor Upgrade: Include the CD Companion with your enrollment for an additional cost of only $ Medical Transcription Upgrade: Include the CD Companion with your enrollment for an additional cost of only $ Printed Textbook Upgrade: Medical Transcription Editor Complete Set - $ Medical Transcription Complete Set - $ Professional Medical Coding and Billing ICD-9 Complete Set - $ Professional Medical Coding and Billing ICD-10 Complete Set - $ Medical Office Manager Complete Set - $400 Medical Administrative Assistant with EHR Complete Set - $ Medical Administrative Assistant Complete Set - $ Pharmacy Technician Complete Set - $ Computer Technician Complete Set - $ Healthcare IT Complete Set - $ Medical Billing Complete Set - $ Executive Assistant Complete Set - $ Microsoft Office Complete Set - $ Admission Requirements: In order to be admitted, you must be at least 18 years of age and either a) have a high school diploma or a General Education Development Certificate (GED), or b) pass the Career Step Pre-Enrollment Assessment Test. The Career Step Pre-Enrollment Assessment Test cannot be used in lieu of a High School diploma or GED for the Professional Medical Coding and Billing Program. You must agree to abide by the terms of this Enrollment Agreement. Strong skills in the reading, writing, and speaking of standard American English are recommended. 4. System Requirements: Since the course is completely online, your computer will play an important role in your learning experience. Your computer system should meet the following minimum specifications: Hardware: Active internet connection (High speed/broadband connection recommended) 7

8 Software: 800 X 600 minimum resolution (1024 X 768 or higher recommended) Sound card and speakers (Earphones recommended) Available USB port Adobe Flash Player (ver. 10 or higher) Windows Media Player (ver. 10 or higher) or Quicktime Player (ver. 7 or higher) PDF reader Browser: Internet Explorer 9.x, 10.x, and 11.x Firefox 3.x or higher * Safari 3.1x to 5.0 (Mac only)* We currently do not support Google Chrome Javascript and cookies must be enabled *The Medical Transcription Editor, Career FastTrack: Medical Coding, Career FastTrack: Medical Transcription Editing, and Medical Transcription Editor Refresher programs include third party software tools that makes the training only compatible with Microsoft Windows and Internet Explorer. Note: Career Step does not officially support the use of mobile devices to access our training programs because these devices do not use full-feature web browsers. Typically on these devices users will be able to access text and pictures but Flash content or audio/video will not work. 5. Transfer of Prior Credit: Career Step does not accept course credit from other educational institutions. Career Step does not offer challenge exams in order to waive participation in a program. Students are required to complete all program materials in order to adequately develop and refine their skills in preparation for the final exam and in preparation to get a job, regardless of prior training or experience. 6. Enrollment Period: Online program access is granted for a period of either three or four months, depending upon the program: Program - Medical Transcription - Medical Transcription Editor - Professional Medical Coding and Billing ICD-10/9 - Professional Medical Coding and Billing ICD-9/10 - Professional Medical Coding and Billing ICD-9 - Career FastTrack: Medical Coding -Medical Office Manager -Healthcare IT -Medical Transcription Editor Refresher Course - Career FastTrack: Medical Transcription Editing - Microsoft Office 2007 / Registered Health Documentation Specialist Prep Enrollment Term 4 months 8

9 -Medical Administrative Assistant with EHR - Pharmacy Technician -Computer Technician - Medical Administrative Assistant - Medical Billing - Executive Assistant with Microsoft Office 2007/ ICD-10 for ICD-9 Coders -ICD-9 for ICD-10 Coders - Microsoft Access 2007/ Microsoft Excel 2007 / Microsoft Outlook 2007 / Microsoft PowerPoint 2007 / Microsoft Word 2007 / months Extensions beyond the initial enrollment term may be available, subject to Career Step s current extension policy at the time the extension is purchased. Career Step may from time to time offer free course extension vouchers or other promotions. Such promotions are conditional upon your timely fulfillment of all obligations under the Enrollment Agreement including payment of all amounts as they become due. Vouchers and promotions are voidable at the option of Career Step if you breach this Agreement in any way. 7. Final Exam: If your program includes a final exam, Career Step requires you to pass each portion of the final exam to receive a certificate of graduation. You may contact Student Support to find out what score you need to achieve to pass the final exam for your respective program. The final exam may be taken as many as three times, each retake being a new and different exam. 8. Payment, Late Fees and Collection Costs: Subject to the refund exceptions set forth in Section 20, withdrawal from the program or termination of this Agreement does not entitle you to a refund of any kind or release you from any financial obligations you may have to Career Step. Full Programs: Payments are due by the 25th of each month, except those for students who are on an automatic payment plan. Unless otherwise agreed by Career Step, payments are due (and will be charged by Career Step) on the same day of the month as the enrollment date; or, if such day of the month does not occur in a particular month, on the last day of that month. All students who have chosen a four-month payment plan will be placed on an automatic payment plan, unless otherwise agreed by Career Step. Late payments will be assessed a fee of $10.00 or 5% of the payment amount, whichever is less per incident, and returned payments (Non-Sufficient Funds) will be assessed a fee of $20.00 per incident. If full payment is not made as specified, you agree to pay all collection costs, including: interest on the outstanding portion of the bill at a rate of 18% per annum, reasonable attorney fees, and a collection agency commission of up to 40%. At its option, Career Step 9

10 may also suspend or terminate your access to the program for non-payment or for any other breach of this Agreement. Supplemental Programs: Payment in full is required before you will be given access to your program, except with respect to the Medical Transcription Refresher program. Access will be given to the Medical Transcription Refresher program after the first full installment payment. 9. Information Release: You represent that all of the information you provide to Career Step in the Application for Enrollment (the "Application") is true and correct to the best of your knowledge and may be relied upon by Career Step. You hereby authorize Career Step and its designated agents and representatives to conduct comprehensive reviews of your credit history causing such consumer reports to be generated as Career Step deems necessary in connection with the review of the Application and/or the collection of any credit extended in reliance on the Application. You further authorize any person, consumer reporting agency, firm, corporation or public agency to divulge to Career Step or its designated agents or representatives any and all information pertaining to you that it may have or obtain in response to such inquiries, whether verbal or written. Finally, you hereby release Career Step and its officers, directors, shareholders, agents, and representatives from any and all liability for damages of any kind, which may result to you as a result of the actions authorized by this release. A photocopy or facsimile of this form shall be treated as an original. 10. Ownership; No Shared Access: All contents of Career Step's books, ebooks, CDs, and online programs are copyrighted under the laws of the United States. You may not copy or reproduce these materials in any form and agree that you will not do so. This includes the sharing of passwords or access information to the online version of the program materials. Violators of this policy are subject to immediate dismissal from the program and legal remedies, without refund or recourse. The program materials and associated program enrollment are licensed to you only and are nontransferable. Exceptions to this are by the express written consent of Career Step only. 11. Graduate Services: Graduate services are included with each full program. Graduate Services are specific to each program and are as follows: Medical Transcription or Medical Transcription Editor Program: Personal employment consultation with an employment specialist, resume evaluation and feedback, access to Career Step's employer information database, employment tutorial guides, and access to the graduate help hotline for the first year after graduation. Professional Medical Coding and Billing, Medical Office Manager, Career FastTrack: Medical Coding, or Healthcare IT Program: Personal employment consultation with an employment specialist, resume evaluation and feedback, employment tutorial guides, and access to the graduate help hotline for the first year after graduation. 10

11 Medical Administrative Assistant with EHR, Pharmacy Technician, Computer Technician, Medical Administrative Assistant, Medical Billing, or Executive Assistant Program: Personal employment consultation with an employment specialist, resume evaluation and feedback, employment tutorial guides, and access to the graduate help hotline for six months after graduation. Supplemental Programs: Graduate services are not provided with enrollment in Supplemental Programs. 12. Appropriate Conduct: All students with access to Career Step's student forum, chat room, and Classroom student message service (collectively, the Forums ) agree to be bound by and comply with the applicable Rules and Terms of Service for those services (the Forum Rules ), which are located on Career Step s web-site, and to conduct themselves appropriately and to use these resources in a positive manner for the legitimate benefit of themselves and other students. Violation of the Forum Rules, including without limitation illegal conduct, profane language, and inappropriate discussion, may result in immediate dismissal from the program and the pursuit of legal remedies, without refund or recourse. You will also be solely responsible and liable for any claims or damages caused by your violation of the Forum Rules, including any damages caused to Career Step. 13. Re-enrollment Policy: If you are dismissed from the program for any reason, or allow your enrollment and/or extensions to lapse for a period longer than six months, you may apply for re-enrollment in the program at the discounted re-enrollment price offered at the time of the re-enrollment.. Upgrades or extra options are chargeable at 100%. Reenrollment will provide you with online program access for an additional term. The length of the re-enrollment term for each program will be identical to the length of the initial term, as set forth in Section 6. Supplemental Program Re-enrollment: If you are dismissed from the program for any reason, or allow your enrollment and/or extensions to lapse for a period longer than one day, you may re-enroll in the program at the then-current full price 14. Registration and Accreditation Disclaimer: Career Step is registered under the Utah Postsecondary Proprietary School Act (Title 13, Chapter 34, Utah Code); however, this registration does not mean that the State of Utah supervises, recommends, or accredits the institution. It is your responsibility to determine whether credits, degrees, or certificates from the institution will transfer to other institutions or meet employer training requirements. This can be done by calling the prospective school or employer. The institution is not accredited by a regional or national accrediting agency recognized by the United States Department of Education. 15. No Warranties: Career Step neither warrants nor represents that Student is qualified for any profession or, upon successful completion of or graduation from the program, will be so qualified. Because students aptitudes vary and job markets change, Career Step cannot and does not now or in the future, either written or verbally, guarantee job placement to graduates upon their successful completion of or graduation from the 11

12 program. CAREER STEP DISCLAIMS ALL WARRANTIES WITH RESPECT TO ITS PROGRAMS, MATERIALS, WEB-SITE, FORUMS AND SERVICES, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TO THE FULLEST EXTENT NOT PROHIBITED BY APPLICABLE LAW. 16. LIMITATION OF DAMAGES: UNDER NO CIRCUMSTANCES SHALL CAREER STEP BE LIABLE FOR ANY DAMAGES, INCLUDING DIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, THAT RESULT FROM THIS AGREEMENT, THE REFERRAL PROGRAM (SEE SECTION 21 BELOW), OR YOUR ENROLLMENT IN ITS PROGRAMS OR FROM THE FORUMS OR OTHER CAREER STEP SERVICES, EVEN IF CAREER STEP HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL CAREER STEP'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE) OR OTHERWISE, EXCEED THE AMOUNTS PAID BY YOU TO CAREER STEP. 17. Entire Agreement: This Enrollment Agreement, together with the Career Step Training Program Privacy Policy and License Agreement, when signed or electronically accepted by Student and then approved and accepted by Career Step, represents the full and complete terms of the agreement between Career Step and you regarding the subject matter hereof. 18. Legal Actions: This Agreement shall be governed by the laws of the State of Utah. The parties agree that venue shall be in Utah courts for any disputes arising between the parties and both parties agree to the personal jurisdiction and venue of such courts and waive any right to assert otherwise. In any action between the parties, which arises out of or relates to this Agreement, the prevailing party, in addition to all other rights or remedies, shall be entitled to an award of its costs incurred in connection with the action, including reasonable attorney's fees and costs. 19. Miscellaneous: This Agreement may not be modified or amended except in writing signed by the parties hereto and specifically referring to this Agreement. If any provision of this Agreement is found to be void or unenforceable, such provision shall be modified to the minimum extent necessary to make it valid and enforceable; or, if it cannot be so modified, it shall be severed and the other provisions of this Agreement shall remain in full force and effect. 20. TERMINATION RIGHTS AND REFUND POLICY: Please review this Section carefully so that you are aware of Career Step s termination and refund policies. You are not entitled to any refund from Career Step except as set forth below. By signing this Agreement you are agreeing to these rights and limitations. (a) 3-Day Right to Rescind: You have a right to rescind this Agreement and receive a full refund of any amounts paid to Career Step, which you must exercise (if you so choose) in writing within three (3) business days from the day you submit the online application or sign the written application. You must deliver a written rescission of this 12

13 Agreement to Career Step within such 3-day period, or if the rescission is mailed, it must be postmarked on or before the last day of the 3-day period. Prior to receiving the refund, you must first return all program materials and supplies sent to you, as set forth in subsection (d) below. (b) 14-DAY MONEY BACK POLICY: In addition to the rescission rights set forth in subsection (a) above, you may also withdraw from the program for any reason within 14 days after the date you first receive access to online program materials, which is the date of the sent to you containing your password and login for the online program. In this case, this Agreement shall be rescinded and Career Step will refund your money IN FULL, less a $50 application fee and any initial shipping and handling fees, provided that you first return all program materials and supplies as set forth in subsection (d) below. (c) No Refund After 14 Days: If, for any reason, you withdraw after the initial 14-day review period, you are not released from your obligation to pay the program fees in full and you are not entitled to any refund from Career Step. (d) Materials: Before receiving any refunds under subsections (a) or (b), you must first return any and all program materials and supplies received from Career Step. You must notify Career Step before the last day of the termination period to receive a return code, and returned materials must be sent to Career Step at your expense, insured and tracked through the carrier. Please pack returned materials carefully to prevent damage. After returning program materials to Career Step, you must also destroy all copies of program materials you may have, including all downloaded copies, backup copies, printed or written copies, and derivative works of any kind. (e) Termination: If you withdraw under this Section 20, your enrollment is terminated and you may not transfer your program materials to any other person. 21. Referral Program: The Career Step Referral Program allows you to receive a payment from Career Step when you refer a qualifying new student and are in compliance with the Career Step Referral Program Terms and Conditions found at Truth in Lending Disclosures: The U.S. Government Requires These TRUTH IN LENDING DISCLOSURES. NOTICE TO THE BUYER: (1) Do not submit this agreement before you read it or if it contains any blank spaces. (2) Under the law, you have the right to pay off in advance the full amount due without penalty. NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY DEBTOR. 13

14 Additional important Loan Application and Solicitation Disclosure information is attached hereto as Annex A. Please review this information closely. 23. Final Payment Terms: You and Career Step agree to the following payment terms, which shall supersede the standard pricing and payment terms set forth in Section 2 of this Agreement. Program: «TableStart:ReportData2»«Product_Name»«TableEnd:ReportData2» Program Price: «OPPORTUNITY_PROGRAM_BUNDLE_SALES_PRICE» Shipping and Handling: «TableStart:ReportData»«Total_Price»«TableEnd:ReportData» Sales Tax: «OPPORTUNITY_TAX» Total Price: «OPPORTUNITY_TOTAL_LIST_PRICE_PLUS_TAX» Down Payment: «OPPORTUNITY_DOWN_PAYMENT» Payment Plan Duration: «OPPORTUNITY_OF_PAYMENTS» Months Monthly Payment: «OPPORTUNITY_PROGRESS_PAYMENT_AMOUNT» Please initial your acknowledgement of the following statements: {{_es_:signer1:initials}} I certify that I am 18 years of age or older. {{_es_:signer1:initials}} I certify that I have completed «ACCOUNT_EDUCATION_LEVEL PC». {{_es_:signer1:initials}} I acknowledge that my course is online and self paced. If I do not complete the program within the initial enrollment term, I will be eligible to purchase a course access extension at the then current rate. {{_es_:signer1:initials}} I acknowledge that while Career Step provides graduate services they do not guarantee me a job after graduation. {{_es_:signer1:initials}} I, the undersigned, acknowledge that this is a rigorous course of study that may contain both visual and auditory interactive elements and will require me to spend a significant amount of time working on a computer in order to graduate. I certify that I am capable of doing so and that I have read, understand, and agree to abide by all the provisions set forth in the foregoing Enrollment Agreement. I, the undersigned, have read, understand and agree to abide by all the provisions set forth in the foregoing Enrollment Agreement. Signature: {{_es_signer_signature}} Printed Name: {{_es_signer_fullname}} 14

15 Date Signed: {{_es_signer_date}} Student Billing Address: «ACCOUNT_FULLBILLINGADDRESS» For Career Step: Start Date: End Date: Processor Signature: Career Step, LLC 4692 N. 300 W., Ste. 100 Provo, UT Toll Free Phone Number: Local Fax Number: Website: Copyright 2015 Career Step, LLC. All Rights Reserved. 15

16 Annex A. Truth in Lending Private Education Loan Application and Solicitation Disclosure Loan Interest Rate & Fees Career Step 4692 N 300 W, Suite 150 Provo, UT (801) Your interest rate will be 8.00 % Your starting Interest Rate (upon approval) The starting interest rate you pay will be 8%. Your Interest Rate during the life of the loan Your rate is fixed and will not change. Loan Fees Late charge: $5 or 5% of the payment amount, whichever is less, after 10 days past due. Non-Sufficient Funds fee: $10.00 Application fee (max): $0 Loan Cost Example Repayment Option (while enrolled in school) Amount Provided (amount provided directly for your benefit by school) Interest Rate (highest possible starting rate) Loan Term (how long you have to pay off the loan) Total Paid 1. MAKE REGULAR FULL PAYMENTS Pay both the principal and interest amounts. $2, % 24 months starting your first month in school Over 24 months $ 2, NO INTEREST PAY IN FULL Pay entire amount upfront. $2, % 0 months starting your first month in school Over 0 months $ 2, About this example The repayment example assumes that you remain in school for 12 months and that you make full payments of principal and interest while enrolled. It is based on the highest starting rate currently charged and associated fees. 16

17 Federal Loan Alternatives Loan program PERKINS for Students STAFFORD for Students PLUS for Parents and Graduate / Professional Students Next Steps Current Interest Rates by Program Type 5% fixed 5.6% fixed Undergraduate subsidized 6.8% fixed Undergraduate unsubsidized & Graduate 8.5% fixed Federal Family Education Loan 7.9% fixed Federal Direct Loan You may qualify for Federal education loans. For additional information, contact your school s financial aid office or the Department of Education at: 1. Find Out About Other Loan Options. Some schools have school-specific student loan benefits and terms not detailed on this form. Contact your school s financial aid office or visit the Department of Education s web site at: for more information about other loans. 2. To Apply for this Loan, Complete the Application and the Self-Certification Form. You may get the certification form from your school s financial aid office. If you are approved for this loan, the loan terms will be available for 30 days (terms will not change during this period, except as permitted by law). REFERENCE NOTES Fixed Interest Rate This loan has a fixed interest rate. This interest rate will remain fixed during the life of your loan. Eligibility Criteria Borrower Must be a high school graduate or have earned a GED. Bankruptcy Limitations If you file for bankruptcy you may still be required to pay back this loan. More information about loan eligibility and repayment deferral or forbearance options are available in your retail installment contract and loan agreement. Must be 18 years or older at the time you apply. If under 18 years, must have co-signer. Co-signers Must be 18 years or older at the time of loan application. 17